Where you live will impact your car insurance rates. This is because where you live has a lot to do with the chances of you have of getting into a car accident. When insurance providers ask for a zip code and mailing address when quoting you, they are really asking for the following information:
- The claims in your area: Insurance providers ideally want customers in areas where people do not file as many claims.
- The population density of your town: The more cars out on the road, the more likely you are to have a car accident.
- Climate: Bad weather like flooding and snowstorms can also increase the chances of an insurance claim.
- Crime rates: Insurance companies research the crime rates in your area, especially vandalism and car theft. If the crime rate in your area is high, your rates will more than likely also be higher.
- Road conditions: If your town has several dangerous roads and intersections where many accidents occur, your risk goes up and so will your car insurance rates.